Payment Policy

1. Overview

At Xtream Store, we strive to provide a seamless and secure payment experience tailored for our Indian customers. We support a wide range of popular and trusted payment methods to make your shopping convenient and worry-free.

2. Accepted Payment Methods

• UPI (Unified Payments Interface): Pay directly using UPI apps such as PhonePe, Google Pay, Paytm, BHIM, and more.
• PhonePe: Fast and secure payments through the PhonePe app.
• Google Pay: Use your Google Pay account for instant transactions.
• Paytm: Pay easily using your Paytm wallet or UPI.
• Net Banking: Pay via internet banking from all major Indian banks.
• Debit & Credit Cards: We accept all major Visa, MasterCard, RuPay, and American Express cards.
• Cash on Delivery (COD): Pay in cash when your order is delivered to your doorstep. (Available for select pin codes and order values.)

3. Payment Security

• All online payments are processed through secure, encrypted gateways compliant with RBI and PCI DSS standards.
• Your card and UPI details are never stored on our servers.
• We use OTP and two-factor authentication wherever required for your safety.

4. Refunds & Failed Transactions

• If your payment fails but the amount is debited, it will be automatically refunded to your original payment method within 5-7 business days.
• For any refund or payment issues, please contact our support team at support@xtream-store.com or call 9743046583.
• Refunds for cancelled orders will be processed within 3-5 business days.

5. Cash on Delivery (COD)

5.1 COD Availability

• Available for orders above ₹500 and below ₹50,000
• Limited to select pin codes across India
• Additional COD charges of ₹40 may apply
• Subject to product category restrictions

5.2 COD Process

• Select "Cash on Delivery" during checkout
• Pay the exact amount to the delivery partner
• Ensure you have the exact change ready
• Inspect the product before making payment

6. Payment Processing

6.1 Order Confirmation

• Orders are confirmed only after successful payment
• You will receive an email and SMS confirmation
• Order status can be tracked in your account
• Payment receipts are automatically generated

6.2 Processing Time

• UPI/Digital Wallets: Instant processing
• Credit/Debit Cards: 2-3 minutes
• Net Banking: 5-10 minutes
• COD Orders: Confirmed within 2 hours

7. Currency and Pricing

• All prices are displayed in Indian Rupees (INR)
• Prices include applicable GST and taxes
• Shipping charges are calculated separately
• Prices may vary based on location and availability
• We reserve the right to modify prices without prior notice

8. Payment Disputes

8.1 Dispute Resolution

• Contact our customer support within 48 hours of payment
• Provide transaction details and order number
• We will investigate and respond within 72 hours
• Disputes are resolved as per RBI guidelines

8.2 Chargeback Policy

• Chargebacks are handled according to bank policies
• We may request additional documentation
• Resolution time varies by payment method
• Malicious chargebacks may result in account suspension

9. EMI and Buy Now Pay Later

9.1 EMI Options

• Available for orders above ₹5,000
• Tenure options: 3, 6, 9, 12, 18, and 24 months
• Interest rates vary by bank and tenure
• Subject to bank approval and eligibility

9.2 Buy Now Pay Later

• Partnered with leading BNPL providers
• Instant approval for eligible customers
• Flexible repayment options
• Zero interest on select products

10. International Payments

• Currently, we only accept payments in Indian Rupees
• International cards are accepted for Indian customers
• Currency conversion charges may apply
• Additional verification may be required

11. Contact Information

For payment-related queries or support, please reach out to us:

12. Policy Updates

We may update this Payment Policy to reflect changes in:

• Payment methods and providers
• Security standards and compliance
• Regulatory requirements
• Service improvements

All changes will be communicated through email notifications and website updates.